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Mortgage Whether you are buying your first home or your next home The State Bank is here to walk you through the entire process. Our staff offers a personable experience that is unmatched. No matter what your situation, our team will work with you to select a mortgage solution that fits your exact needs.

Our Solutions

Fixed Rate Mortgage
This type of loan is one of the most popular mortgage loans that home buyers choose. It is fully amortizing where the interest rate stays the same for the entire term of the loan. A fixed rate mortgage provides for a consistent payment amount.

Predictable monthly payments for the life of the loan

Single family loan amounts up to $417,000

Adjustable Rate Mortgage
Also referred to as a variable-rate mortgage, this loan has an interest rate that is periodically adjusted based on current credit markets. These mortgages are intended for those who want to initially lower their payments to assume the risk of interest rate changes.

Potential lower initial payments versus fixed rate loan options

Rate set for predetermined time, then resets with new rate

May be ideal if you’re living in home for short period

Jumbo Mortgage
These mortgage loans are for real estate that are above conventional conforming loan limits. Jumbo mortgages are ideal for those who are looking to purchase luxury homes and The State Bank works with you to ensure that the mortgage meets your individual needs.

Home loans for mortgages over $417,000

Fixed or adjustable rate

Investment Property Loans
The State Bank offers these loans for those who are interested in purchasing a second home and investment properties. Our team will work with you to help you choose the type of mortgage loan that fits your unique investment needs.

Fixed or adjustable rates available

Construction Loans
Also known as a residential construction loan, this mortgage loan funds the building of a new home or residence. The loan is closed for the total loan amount and funds are paid over the period in which the home or residence is complete.

Available for the construction of your primary residence

Fixed and adjustable rates available

See if you qualify for a mortgage through The State Bank, apply today!

To get more information about any of the mortgage options that The State Bank offers contact us or stop in to one of our local branches for a free mortgage consultation.

First Time Buyer

There are many details to be considered when buying your first home including location, home size, number of bathrooms, the list goes on. It is also one of the largest investments that we make, and perhaps the number one source of wealth-building for families. There are many additional benefits to owning a home, such as:

Building of equity

Tax benefits

Pride

At The State Bank, we understand that buying a home can be an overwhelming and confusing process. That’s why our Mortgage Team takes the time to walk you through the entire process to ensure that you are making the best financial decision.